West Point, KY—40177
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — West Point, KY
As of Oct '25, the median home price in West Point, KY is $130,000, with a year-over-year change of 6.2%. This indicates that home prices in West Point, KY are increasing. According to Zillow, the 1-year price projection is -0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $130,000 | 6.2% |
| Single Family | $130,000 | 5.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $93,000 | 2.2% |
3 Bed | $162,000 | 3.8% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — West Point, KY
West Point, KY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — West Point, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in West Point, KY is 32. This is a decrease of -80.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $165,000 | -3.0% |
Listing Count | 4 | 80.0% |
| Listings as % of Homes | 0.1% | 80.0% |
Days on Market | 32 | -80.0% |
Demographics — West Point, KY
As of the latest ACS Survey released in 2023, West Point, KY has a population of 1,630, which has increased by 11.0% over the past 5 years. West Point, KY is a moderately popular place for families, as children make up 23.5% of the population. The area has a poorly educated workforce, with 16.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,630 | 11.0% |
% Under 18 | 23.5% | -2.1% |
% Seniors | 23.0% | 75.6% |
% WFH | 2.6% | 52.9% |
% w/ College Degree | 16.4% | 15.5% |
As of the latest ACS Survey released in 2023, West Point, KY is a predominantly white area, with 94.2% of the population identifying as white. The white population has grown by 0.5% in the last 5 years. The second most common race or ethnicity in West Point, KY is hispanic, making up 3.0% of the population. Foreign-born residents account for 0.0% of the population in West Point, KY, and this percentage has decreased by 100.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.2% | 0.5% |
% Black | 0.0% | N/A |
% Hispanic | 3.0% | 200.0% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.0% | -100.0% |
Mortgage and Risk — West Point, KY
According to HUD data as of 2023, there were 10 mortgage originations in West Point, KY, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in West Point, KY. Investor activity is low, as 0.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 10 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — West Point, KY
West Point, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.6% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $970 |
| 2 Bedroom | N/A | N/A | $1,180 |
| 3 Bedroom | N/A | N/A | $1,540 |
| 4 Bedroom | N/A | N/A | $1,760 |
Affordability — West Point, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.1 |
| Median Home Price | $130,000 |
| Median Household Income | $47,500 |